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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $732,068 | $126,113+480.5% | $116,096+530.6% | $155,188+371.7% |
| Participation rate | 100.0% | 75.1%+24.9pp | 73.3%+26.7pp | 80.8%+19.2pp |
| Annual return | 11.38% | 391.72%-380.3pp | 326.25%-314.9pp | 148.84%-137.5pp |
| Employer contribution / active EE | $2,594 | $2,672-2.9% | $2,503+3.6% | $4,248-38.9% |
| Participant deferral / active EE | $3,333 | $4,162-19.9% | $3,952-15.7% | $6,531-49.0% |
| Admin fee / account holder | $5,538 | $8,045-31.2% | $7,704-28.1% | $14,480-61.8% |